| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.4% | +4.2 pts |
| Deposit growth (YoY) | +10.9% | +4.0% | +6.9 pts |
| Loan growth (YoY) | +13.6% | +5.6% | +8.1 pts |
| ROA | 1.48% | 1.24% | +0.2 pts |
| ROE | 14.6% | 11.9% | +2.7 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $132.0M | $115.2M | $88.0M | $13.3M | $950K | 1.48% | 3.81% | 0.00% |
| Q1 2026 | $130.3M | $113.8M | $84.9M | $13.0M | $514K | 1.62% | 3.77% | 0.00% |
| Q4 2025 | $123.4M | $107.1M | $82.9M | $12.7M | $1.5M | 1.25% | 3.72% | 0.00% |
| Q3 2025 | $122.0M | $103.6M | $75.8M | $12.7M | $1.3M | 1.45% | 3.71% | 0.00% |
| Q2 2025 | $121.5M | $103.9M | $77.5M | $12.1M | $856K | 1.44% | 3.71% | 0.00% |
| Q1 2025 | $118.1M | $100.8M | $80.6M | $11.8M | $471K | 1.61% | 3.71% | 0.00% |
| Q4 2024 | $116.1M | $99.4M | $78.8M | $11.0M | $1.2M | 1.03% | 3.41% | 0.00% |
| Q3 2024 | $111.1M | $97.2M | $72.1M | $11.4M | $967K | 1.14% | 3.36% | 0.00% |
Loan mix (Q2 2026): real estate $31.2M · commercial $18.4M · consumer $4.7M · securities $35.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 62.9% | 34th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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